United States Department of Agriculture Rural Housing Service v. The Heirs, Personal Representatives, Devisees, Trustees, Successors and Assigns of Shirley A. Stiles, deceased

IN THE DISTRICT COURT OF WOODS COUNTY STATE OF OKLAHOMA UNITED STATES DEPARTMENT OF AGRICULTURE RURAL HOUSING SERVICE, Plaintiff, v. THE HEIRS, PERSONAL REPRESENTATIVES, DEVISEES, TRUSTEES, SUCCESSORS AND ASSIGNS OF SHIRLEY A. STILES, DECEASED, AND THE UNKNOWN SUCCESSORS, SPOUSE OF SHIRLEY A. STILES, IF MARRIED, JOHN DOE OCCUPANT, IF ANY, CHERYL SNOWDEN, MELODIE STARKS AND NORM STILES, Defendants. Case No. CJ-24-13 PETITION COMES NOW the Plaintiff, United States Department of Agriculture Rural Housing Service, and for its cause of action against the Defendants named above, alleges and states as follows: 1. The Plaintiff was at all times hereinafter mentioned, and now is, duly organized, existing, and authorized to bring this action. That the subject real property is situated in Woods County, Oklahoma. Therefore, this court has jurisdiction over the parties and subject matter. Further, venue is properly laid pursuant to 12 O.S. 131 & 142. 2. On June 4, 1998, the original executor(s) for good and valuable consideration, executed and delivered to the Payee, a written Promissory Note promising to pay the holder thereof, the original principal sum of $36,000.00 with interest thereon at the rate of 6.75000% per annum and other charges payable as provided therein. A true and correct copy of the Note is attached hereto as Exhibit “A” and incorporated herein by reference and made a part hereof. 3. As part of the same transaction, and to secure the indebtedness owed under the Promissory Note, the owner(s) of the hereinafter-described real estate made, executed, and delivered to Plaintiff a written real estate purchase money mortgage and therein and thereby mortgage and conveyed the following described real estate situated in Woods County, State of Oklahoma, to-wit: Lot Five (5), Block One (1), of WESTLAKES ADDITION to Woods County, Oklahoma. PROPERTY ADDRESS: 911 ERIE STREET, ALVA, OK 73717 together with all the buildings, fixtures, appurtenances, hereditaments and improvements now or hereafter erected on the property and all other rights appertaining or belonging thereunto said property. 4. On June 4, 1998, said mortgage, duly executed and acknowledged according to law with mortgage tax paid thereon, was duly recorded in the office of the County Clerk of Woods County, Oklahoma, in Book 854 Page 267. Said Mortgage is a good and valid first lien. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated herein by reference and made a part hereof. 5. Plaintiff is in possession of, is the holder of, and is entitled to enforce said note. Plaintiff has complied with all of the terms, conditions precedent and provisions of said Note and Mortgage, and is duly empowered to bring this suit. 6. The Note and Mortgage provide that if default occurs in the payment of any of the monthly installments, or on failure or neglect to keep or perform any of the other conditions and covenants of the mortgage, that the entire principal, accrued interest, and all other sums secured by said mortgage, shall at once become due and payable, at the option of the holder thereof, and the holder shall be entitled to foreclose said mortgage and recover the unpaid principal thereon and all expenditures of the mortgagee made thereunder, with interest thereon, and to have said premises sold and the proceeds applied to the payment of the indebtedness secured thereby, together with all legal and necessary expense and all costs. 7. That default has occurred in that the monthly installment payment due on March 4, 2019, or subsequent payments have not been paid as provided by the Note and Mortgage. That the Plaintiff hereby declares the whole of said indebtedness due and payable, and elects to have the Mortgage foreclosed and the mortgage premises sold to satisfy the indebtedness; and that the option to waive or not waive appraisement of said premises will be exercised at the time of foreclosure judgment. 8. That there is due and owing on said Note and Mortgage the principal sum of $22,759.58 with accrued interest thereon at the rate of 6.75000% per annum or at the current adjustable rate from on or about February 4, 2019, until paid; together with accrued and accruing abstracting expenses, late charges, property preservation expenses, costs of this action, advances for taxes, advances for insurance premiums, a reasonable attorney's fee, and any other necessary funds advanced hereafter through completion of this action, as provided for in said Note and Mortgage. 9. A Notice of Acceleration Letter ("Acceleration Letter") was mailed to Borrower on or about June 6, 2019. The Acceleration Letter advised the amount necessary to cure the default, the right to cure the default, and Mortgagee's intent to foreclose in the event the default was not cured within thirty (30) days. A true and correct copy of the Acceleration Letter is attached hereto as Exhibit "C" and incorporated herein by reference and made a part hereof. 10. That Plaintiff is informed and believes and so alleges that Shirley A. Stiles, a single person, died on or about December 4, 2021. Further, that the Plaintiff is unable to determine or ascertain the names of any known heirs of said decedent, except Norm Stiles, Melodie Starks, Cheryl Snowden, and Marliee Quick. That no probate proceedings or other determination of death or heirs of the decedent have been found to be commenced. That other than The Heirs, Representatives, Devisees, Trustees, Successors and assigns of Shirley A. Stiles, deceased and the unknown successors and Norm Stiles, Melodie Starks, Cheryl Snowden, and Marliee Quick, no other persons have any right, title or interest in and to the real estate and premises herein sued upon. See Obituary, Exhibit "D". 11. That the following Defendants may claim an interest in the subject property, the exact nature of which is unknown except as hereinafter stated, but that any interest of the defendant(s) are junior, inferior and subject to the lien created and established by the Mortgage in favor of Plaintiff. The defendant(s) should appear and defend in this action and prove the superiority of his interest in the Property to that of Plaintiff. Failing that, the defendant's right, title and interests in or to the Property should be declared junior and inferior to those of Plaintiff, and the same ordered foreclosed subject to Plaintiff's Mortgage and mortgage lien. John Doe may be claiming some right, title and/or interest in and to the Property, which may include an interest by reason of occupancy, ownership, or otherwise. Spouse of Shirley A. Stiles, if married, may be claiming some right, title and/or interest in and to the Property, which may include an interest by reason of marriage, homestead interest, or otherwise. The Heirs, Personal Representatives, Devisees, Trustees, Successors and Assigns of Shirley A. Stiles, deceased, and The Unknown Successors, Norm Stiles, Melodie Starks, Cheryl Snowden, and Marliee Quick may be claiming some right, title and/or interest in and to the Property, which may include an interest by reason of heirship. WHEREFORE, premises considered, Plaintiff prays for judgment in rem against the Defendant(s), in the principal sum of $22,759.58, with interest accruing at the rate of 6.75000% per annum or at the current adjustable rate from on or about February 4, 2019, until paid, together with accrued and accruing abstracting expenses, late charges, property preservation expenses, costs of this action, advances for taxes, advances for insurance premiums, a reasonable attorney's fee, and any other necessary funds advanced hereafter through completion of this action, as provided for in said Note and Mortgage. That Plaintiff further have judgment *in rem* against all Defendants adjudging Plaintiff's mortgage to be a valid and subsisting first lien on the real estate and premises described for the full amount of the judgment; that said mortgage be foreclosed, that said real estate be sold, with or without appraisement, at sheriff's sale to satisfy the indebtedness secured thereby. That all of said Defendant's be required to appear and set forth any right, title, claim or interest which they have, or may have, in and to said real estate and premises; that the Court adjudicate that all of said claims are subject, junior, and inferior to the mortgage, lien and judgment of this Plaintiff; and that upon confirmation of said sale, the Defendants herein and each of them, and all persons claiming by, through or under them, since the commencement of this action, be forever barred, foreclosed, and enjoined from asserting or claiming any right, title, interest, estate or equity of redemption in and to said premises or any part thereof; and that it recover such other and further relief as may be just and equitable. MARINOSCI LAW GROUP, P.C. [signature] Arnetta J. Porter OBA# 34757 David Mueller OBA# 18783 2601 NW Expressway, Suite 710W Oklahoma City, OK 73112 Telephone: 405-252-9500 Facsimile: 405-242-4395 Email: [email protected] ATTORNEYS FOR PLAINTIFF PROMISSORY NOTE Type of Loan SECTION 502 Loan No. Date: June 04, 1998 919 Erie St (Property Address) Alva, Woods, Oklahoma (City or Town) (County) (State) BORROWER'S PROMISE TO PAY. In return for a loan that I have received, I promise to pay to the order of the United States of America, acting through the Rural Housing Service (and its successors) ("Government") $36,000.00 (this amount is called "principal"), plus interest. INTEREST. Interest will be charged on the unpaid principal until the full amount of the principal has been paid. I will pay interest at a yearly rate of 6.750%. The interest rate required by this section is the rate I will pay both before and after any default described below. PAYMENTS. I agree to pay principal and interest using one of two alternatives indicated below: [ ] I. Principal and interest payments shall be temporarily deferred. The interest accrued to ____________, _____ shall be added to the principal. The new principal and later accrued interest shall be payable in ________ regular amortized installments on the date indicated in the box below. I authorize the Government to enter the amount of such new principal here: $______________, and the amount of such regular installments in the box below when such amounts have been determined. I agree to pay principal and interest in installments as indicated in the box below. [x] II. Payments shall not be deferred. I agree to pay principal and interest in 396 installments as indicated in the box below. I will pay principal and interest by making a payment every month. I will make my monthly payment on the 4th day of each month beginning on July 04, 1998 and continuing for 395 months. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this note. My monthly payments will be applied to interest before principal. If on June 04, 2031, I still owe amounts under this note, I will pay those amounts in full on that date, which is called the "maturity date." My monthly payment will be $227.14. I will make my monthly payment at the post office address noted on my billing statement or a different place if required by the Government. PRINCIPAL ADVANCES. If the entire principal amount of the loan is not advanced at the time of loan closing, the unadvanced balance of the loan will be advanced at my request provided the Government agrees to the advance. The Government must make the advance provided the advance is requested for an authorized purpose. Interest shall accrue on the amount of each advance beginning on the date of the advance as shown in the Record of Advances below. I authorize the Government to enter the amount and date of such advance on the Record of Advances. HOUSING ACT OF 1949. This promissory note is made pursuant to title V of the Housing Act of 1949. It is for the type of loan indicated in the "Type of Loan" block at the top of this note. This note shall be subject to the present regulations of the Government and to its future regulations not inconsistent with the express provisions of this note. LATE CHARGES. If the Government has not received the full amount of any monthly payment by the end of 15 days after the date it is due, I will pay a late charge. The amount of the charge will be 4.000 percent of my overdue payment of principal and interest. I will pay this charge promptly, but only once on each late payment. BORROWER'S RIGHT TO PREPAY. I have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Government in writing that I am making a prepayment. I may make a full prepayment or partial prepayment without paying any prepayment charge. The Government will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Government agrees in writing to those changes. Prepayments will be applied to my loan in accordance with the Government's regulations and accounting procedures in effect on the date of receipt of the payment. ASSIGNMENT OF NOTE. I understand and agree that the Government may at any time assign this note without my consent. If the Government assigns the note I will make my payments to the assignee of the note and in such case the term "Government" will mean the assignee. CREDIT ELSEWHERE CERTIFICATION. I certify to the Government that I am unable to obtain sufficient credit from other sources at reasonable rates and terms for the purposes for which the Government is giving me this loan. USE CERTIFICATION. I certify to the Government that the funds I am borrowing from the Government will only be used for purposes authorized by the Government. LEASE OR SALE OF PROPERTY. If the property constructed, improved, purchased, or refinanced with this loan is (1) leased or rented with an option to purchase, (2) leased or rented without option to purchase for 3 years or longer, or (3) is sold or title is otherwise conveyed, voluntarily or involuntarily, the Government may at its option declare the entire remaining unpaid balance of the loan immediately due and payable. If this happens, I will have to immediately pay off the entire loan. REQUIREMENT TO REFINANCE WITH PRIVATE CREDIT. I agree to periodically provide the Government with information the Government requests about my financial situation. If the Government determines that I can get a loan from a responsible cooperative or private credit source, such as a bank or a credit union, at reasonable rates and terms for similar purposes as this loan, at the Government's request, I will apply for and accept a loan in a sufficient amount to pay this note in full. This requirement does not apply to any cosigner who signed this note pursuant to section 502 of the Housing Act of 1949 to compensate for my lack of repayment ability. SUBSIDY REPAYMENT AGREEMENT. I agree to the repayment (recapture) of subsidy granted in the form of payment assistance under the Government's regulations. CREDIT SALE TO NONPROGRAM BORROWER. The provisions of the paragraphs entitled "Credit Elsewhere Certification" and "Requirement to Refinance with Private Credit" do not apply if this loan is classified as a nonprogram loan pursuant to section 502 of the Housing Act of 1949. DEFAULT. If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. If I am in default the Government may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Government may require me to immediately pay the full amount of the unpaid principal, all the interest that I owe, and any late charges. Interest will continue to accrue on past due principal and interest. Even if, at a time when I am in default, the Government does not require me to pay immediately as describe in the preceding sentence, the Government will still have the right to do so if I am in default at a later date. If the Government has required me to immediately pay in full as described above, the Government will have the right to be paid back by me for all of its costs and expenses in enforcing this promissory note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorney's fees. (ICES. Unless applicable law requires a different method, any notice that must be given to me under this note will be given by delivering it or by mailing it by first class mail to me at the property address listed above or at a different address if I give the Government a notice of my different address. Any notice that must be given to the Government will be given by mailing it by first class mail to the Government at USDA / Rural Housing Service, c/o Custome Service Branch, P.O. Box 66889, St. Louis, MO 63166, or at a different address if I am given a notice of that different address. OBLIGATIONS OF PERSONS UNDER THIS NOTE. If more than one person signs this note, each person is fully and personally obligated to keep all of the promises made in this note, including the promise to pay the full amount owed. Any person who is a guarantor, surety, or endorser of this note is also obligated to do these things. The Government may enforce its rights under this note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this note. The term "Borrower" shall refer to each person signing this note. WAIVERS. I and any other person who has obligations under this note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require the Government to demand payment of amounts due. "Notice of dishonor" means the right to require the Government to give notice to other persons that amounts due have not been paid. WARNING: Failure to fully disclose accurate and truthful financial information in connection with my loan application may result in the termination of program assistance currently being received, and the denial of future federal assistance under the Department of Agriculture's Debarment regulations, 7 C.F.R. part 3017. [Signature] Seal ________________________________ Seal Borrower Borrower ___________________________ Seal ________________________________ Seal Borrower Borrower <table> <tr> <th colspan="2">RECORD OF ADVANCES</th> <th colspan="2"></th> <th colspan="2"></th> </tr> <tr> <th>AMOUNT</th> <th>DATE</th> <th>AMOUNT</th> <th>DATE</th> <th>AMOUNT</th> <th>DATE</th> </tr> <tr> <td>(1) $</td> <td></td> <td>(8) $</td> <td></td> <td>(15) $</td> <td></td> </tr> <tr> <td>(2) $</td> <td></td> <td>(9) $</td> <td></td> <td>(16) $</td> <td></td> </tr> <tr> <td>(3) $</td> <td></td> <td>(10) $</td> <td></td> <td>(17) $</td> <td></td> </tr> <tr> <td>(4) $</td> <td></td> <td>(11) $</td> <td></td> <td>(18) $</td> <td></td> </tr> <tr> <td>(5) $</td> <td></td> <td>(12) $</td> <td></td> <td>(19) $</td> <td></td> </tr> <tr> <td>(6) $</td> <td></td> <td>(13) $</td> <td></td> <td>(20) $</td> <td></td> </tr> <tr> <td>(7) $</td> <td></td> <td>(14) $</td> <td></td> <td>(21) $</td> <td></td> </tr> <tr> <td colspan="6"><b>TOTAL</b> $</td> </tr> </table> Account #: [Redacted] TREASURER'S ENDORSEMENT I hereby certify that no mortgage tax is due. Receipt No. 215052 - Payment is for Certification Date dated this Day of June 1998 BARTON HENRY County Treasurer Woods County, Okla. United States Department of Agriculture Rural Housing Service MORTGAGE FOR OKLAHOMA THIS MORTGAGE ("Security Instrument") is made on June 4 , 1998 [Date] The mortgagor is Shirley A. Stiles, a single person ("Borrower"). This Security Instrument is given to the United States of America acting through the Rural Housing Service or successor agency, United States Department of Agriculture ("Lender"), whose address is Rural Housing Service, c/o Centralized Servicing Center, United States Department of Agriculture, P.O. Box 66889, St. Louis, Missouri 63166. Borrower is indebted to Lender under the following promissory notes and/or assumption agreements (herein collectively called "Note") which have been executed or assumed by Borrower and which provide for monthly payments, with the full debt, if not paid earlier, due and payable on the maturity date: <table> <tr> <th>Date of Instrument</th> <th>Principal Amount</th> <th>Maturity Date</th> </tr> <tr> <td>June 4, 1998</td> <td>$36,000.00</td> <td>June 4, 2031</td> </tr> </table> This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 for the preservation or protection of the Property covered by this Security Instrument or for the enforcement of this Security Instrument; (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note, and (d) the recapture of any payment assistance and subsidy which may be granted to the Borrower by the Lender pursuant to 42 U.S.C. §§ 1472(g) or 1490a. For this purpose, Borrower irrevocably grants, conveys, and mortgages to Lender with power of sale the following described property located in the County of Woods, State of Oklahoma: Lot Five (5), Block One (1) of WESTLAKES ADDITION to Woods County, Oklahoma, which has the address of 919 Erie St., Alva, Oklahoma 73717 ("Property Address"); TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures which now or hereafter are a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; and (d) yearly flood insurance premiums, if any. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. § 2601 et seq. ("RESPA"), unless another law or federal regulation that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held by a federal agency (including Lender) or in an institution whose deposits are insured by a federal agency, instrumentality, or entity. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If Lender shall acquire or sell the Property after acceleration under paragraph 22, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law or Lender's regulations provide otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied in the following order of priority: (1) to advances for the preservation or protection of the Property or enforcement of this lien; (2) to accrued interest due under the Note; (3) to principal due under the Note; (4) to amounts required for the escrow items under paragraph 2; (5) to late charges and other fees and charges. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Lender has agreed in writing to such lien or Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within ten (10) days of the giving of notice. Borrower shall pay to Lender such fees and other charges as may now or hereafter be required by regulations of Lender, and pay or reimburse Lender for all of Lender's fees, costs, and expenses in connection with any full or partial release or subordination of this instrument or any other transaction affecting the property. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurer providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, at Lender's option Lender may obtain coverage to protect Lender's rights in the Property pursuant to paragraph 7. All insurance policies and renewals shall be in a form acceptable to Lender and shall include a standard mortgagee clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within thirty (30) days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The thirty (30) day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If after acceleration the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Preservation, Maintenance, and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall maintain the improvements in good repair and make repairs required by Lender. Borrower shall comply with all laws, ordinances, and regulations affecting the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender is not required to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Refinancing. If at any time it shall appear to Lender that Borrower may be able to obtain a loan from a responsible cooperative or private credit source, at reasonable rates and terms for loans for similar purposes, Borrower will, upon the Lender's request, apply for and accept such loan in sufficient amount to pay the note and any indebtedness secured hereby in full. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured hereby immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within thirty (30) days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower and any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 14. Governing Law; Severability. This Security Instrument shall be governed by federal law. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. This instrument shall be subject to the present regulations of Lender, and to its future regulations not inconsistent with the express provisions hereof. All powers and agencies granted in this instrument are coupled with an interest and are irrevocable by death or otherwise; and the rights and remedies provided in this instrument are cumulative to remedies provided by law. 15. Borrower's Copy. Borrower acknowledges receipt of one conformed copy of the Note and of this Security Instrument. 16. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is leased for a term greater than three (3) years, leased with an option to purchase, sold, or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. 17. Nondiscrimination. If Borrower intends to sell or rent the Property or any part of it and has obtained Lender's consent to do so (a) neither Borrower nor anyone authorized to act for Borrower, will refuse to negotiate for the sale or rental of the Property or will otherwise make unavailable or deny the Property to anyone because of race, color, religion, sex, national origin, handicap, age, or familial status, and (b) Borrower recognizes as illegal and hereby disclaims and will not comply with or attempt to enforce any restrictive covenants on dwelling relating to race, color, religion, sex, national origin, handicap, age or familial status. 18. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 13 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. 19. Uniform Federal Non-Judicial Foreclosure. If a uniform federal non-judicial foreclosure law applicable to foreclosure of this security instrument is enacted, Lender shall have the option to foreclose this instrument in accordance with such federal procedure. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any hazardous substances on or in the Property. The preceding sentence shall not apply to the presence, use, or storage on the Property of small quantities of hazardous substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any federal, state, or local environmental law or regulation. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any hazardous substance or environmental law or regulation of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any hazardous substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with applicable environmental law and regulations. As used in this paragraph "hazardous substances" are those substances defined as toxic or hazardous substances by environmental law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph, "environmental law" means federal laws and regulations and laws and regulations of the jurisdiction where the Property is located that relate to health, safety or environmental protection. 21. Cross Collateralization. Default hereunder shall constitute default under any other real estate security instrument held by Lender and executed or assumed by Borrower, and default under any other such security instrument shall constitute default hereunder. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Default; Lender's Remedies upon Default. Default occurs under this Security Instrument if Borrower breaches any covenant and agreement in this Security Instrument or in the Note. Upon default, Lender shall give notice of the default to Borrower prior to acceleration if required by applicable law. If the default is not cured within the time stated in the notice, Lender, at its option, may: (a) accelerate the maturity of the Note and declare immediately due and payable the entire amount unpaid under the Note and any other indebtedness which is secured by this Security Instrument; (b) for the account of Borrower, incur and pay reasonable expenses for the repair or maintenance of and take possession of, operate or rent the Property; and (c) foreclose this Security Instrument and sell the property in accordance with the remedies provided in this Security Instrument and under applicable law. 23. Application of Foreclosure Proceeds. The proceeds of foreclosure sale shall be applied in the following order to the payment of: (a) costs and expenses incident to enforcing or complying with the provisions hereof, (b) any prior liens required by law or a competent court to be so paid, (c) the debt evidenced by the note and all indebtedness to Lender secured hereby, (d) inferior liens of record required by law or a competent court to be so paid, (e) at Lender's option, any other indebtedness of Borrower owing to Lender, and (f) any balance to Borrower. At foreclosure or other sale of all or any part of the property, Lender and its agents may bid and purchase as a stranger and may pay Lender's share of the purchase price by crediting such amount on any debts of Borrower owing to Lender, in the order prescribed above. 24. Waivers. Borrower agrees that Lender will not be bound by any present or future State laws, (a) providing for homestead or exemption of the property, (b) prohibiting maintenance of an action for a deficiency judgment or limiting the amount thereof or the time within which such action may be brought, (c) prescribing any other statute of limitations, (d) allowing any right of redemption or possession following any foreclosure sale, or (e) limiting the conditions which Lender may by regulation impose, including the interest rate it may charge, as a condition of approving a transfer of the property to a new Borrower. Borrower expressly waives the benefit of any such State law. Borrower hereby relinquishes, waives, and conveys all rights, inchoate or consummate, of descent, dower, and curtesy. Borrower waives appraisement of the property, or not, at the option of Lender, to be declared when any Petition to Foreclose is filed. 25. Release. Upon payment of all sums security by this Security Instrument, lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs unless applicable law provides otherwise. 26. Subrogation. Any of the proceeds of the Note used to take up outstanding liens against all or any part of the Property have been advanced by Lender at Borrower's request and upon Borrower's representation that such amounts are due and are secured by valid liens against the Property. Lender shall be subrogated to any and all rights, superior titles, liens and equities owned or claimed by any owner or holder of any outstanding liens and debts, regardless of whether said liens or debts are acquired by Lender by assignment or are released by the holder thereof upon payment. 27. Non-Merger of Title. If the Property is conveyed to the Lender, title shall not merge (unless Lender elects otherwise) and the lien provided under this Security Instrument shall not be affected or impaired by such conveyance. 28. Additional Documents. Borrower shall, upon request by Lender, execute, acknowledge and deliver to Lender any and all additional documents, instruments and further assurances as may be necessary or proper in the Lender's opinion, to effect the intent of this loan transaction or to provide the Lender with the security required or contemplated for this loan transaction. 29. Replacement and Corrected Documents. If any document material to this loan transaction is lost, misplaced, misstated or inaccurately reflects the true and correct terms and conditions of this loan transaction, upon request by Lender, Borrower will comply with Lender's request to execute, acknowledge, initial and deliver to Lender any and all documentation Lender deems necessary to replace or correct the lost, misplaced, misstated or inaccurate document(s). 30. Invalidity or Partial Invalidity. If this Security Instrument should be invalid for any purpose for which it is executed, such invalidity for such purpose shall not impair its validity for any other purpose. If any provision of this Instrument or application thereof to any person or circumstances is held invalid, such invalidity will not affect other provisions or applications of this Instrument which can be given effect without the invalid provision or application, and to that end the provisions hereof are declared to be severable. 31. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box] ☐ Condominium Rider ☐ Planned Unit Development Rider ☐ Refinancing Rider ☐ Renewal and Extension Rider ☐ Other(s) [specify] NOTICE TO BORROWER A power of sale has been granted in this Security Instrument. A power of sale may allow Lender to take the Property and sell it without going to court in a foreclosure action upon default by Borrower under this Security Instrument. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages 1 through 6 of this Security Instrument and in any rider executed by Borrower and recorded with this Security Instrument [Signature] (Seal) Borrower [Signature] (Seal) Borrower ACKNOWLEDGMENT STATE OF OKLAHOMA COUNTY OF Woods ss: The foregoing instrument was acknowledged before me this 4th day of June, 1998, by Shirley A. Stiles. Diane Hannaford Notary Public Commission expires: April 9, 2002 USDA United States Department of Agriculture CERTIFIED MAIL RETURN RECEIPT REQUESTED SHIRLEY A STILES 911 ERIE STREET ALVA OK 73717 Rural Development Centralized Servicing Center P.O. Box 66827 St. Louis, MO 63166 (800) 793-8851 (Voice) (800) 438-1832 (TDD/TTY Hearing Impaired Only) or (314) 457-4450 (FAX) SUBJECT: NOTICE OF ACCELERATION OF YOUR MORTGAGE LOAN(S); DEMAND FOR PAYMENT OF THAT DEBT; NOTICE OF INTENT TO FORECLOSE; AND NOTICE OF YOUR OPPORTUNITY TO HAVE A HEARING CONCERNING THIS ACTION Dear SHIRLEY A STILES PLEASE TAKE NOTE that the entire indebtedness due on the promissory note(s) and/or assumption agreement(s) which evidence the loan(s) received by you from the United States of America, acting through the United States Department of Agriculture Rural Housing Service (RHS), formerly Farmers Home Administration, is now declared immediately due and payable and demand is hereby made on you to pay this entire indebtedness. If payment in full is not made as demanded herein, the RHS intends to enforce its real estate mortgage(s) or deed(s) of trust given to secure the indebtedness by foreclosure of its lien(s) on your house. Account Number(s) Date of Instruments Amount [REDACTED] 06/04/98 36000.00 This acceleration of your indebtedness is made in accordance with the authority granted in the above-described instrument(s). The reason(s) for the acceleration of your indebtedness is (are) as follows: MONETARY DEFAULT The balance of the account is $ 22759.58 unpaid principal and $ 536.84 unpaid interest, as of 06/06/19, plus additional interest accruing at the rate of $ 4.2090 per day thereafter, plus additional advances to be made by the United States for the protection of its security, the interest accruing on any such advances, fees, or late charges, and the amount of subsidy to be recaptured in accordance with the Subsidy Repayment Agreement. Unless full payment of this indebtedness is received within 30 days from the date of this letter, the United States will take action to foreclose its lien on your house and to pursue any other available remedies. Payment should be made by cashier's check, certified check, or postal money orders payable to the USDA/RD and mailed to the following address: USDA-Rural Development P.O. Box 790170 St. Louis, MO 63179-0170 If you submit to the United States any payment insufficient to pay the account in full or insufficient to comply with any arrangements agreed to between the RHS and yourself, the payment WILL NOT CANCEL the effect of this notice. If insufficient payments are received and credited to your account, no waiver or prejudice of any rights which the United States may have will result and the RHS may proceed as though no such payments had been made. YOUR RIGHT TO A DISCUSSION WITH RHS - You have the opportunity to discuss this decision to accelerate your loan(s) with a RHS official or have an administrative appeal hearing before the foreclosure takes place. This is an opportunity to discuss why you believe the United States is in error in accelerating your loan(s) and proceeding with foreclosure. If you desire to have an informal discussion with an RHS official or have any questions concerning this decision or the facts used in making this decision, you should contact this office in writing. The request for an informal discussion must be sent to the undersigned no later than 06/21/19. Requests which are postmarked by the U. S. Postal Service on or before that date will be considered as timely received. You also have the right to an administrative appeal hearing with a hearing officer instead of, or in addition to, an informal discussion with this office. If you request an informal discussion with an RHS official, and this does not result in a decision in which you concur, you will be given a separate time frame in which to submit your request for an administrative appeal. See the attachment for your appeal rights.) YOUR RIGHT TO AN ADMINISTRATIVE APPEAL HEARING - If you do not wish to have an informal discussion with an RHS official as outlined above, you may request an administrative appeal with a member of the National Appeals Division Area Supervisor, no later than 30 days after the date on which you received this notice. Requests which are postmarked by the U.S. Postal Service on or before that date will be considered as timely received as requesting an administrative appeal. Please include a copy of this letter with your request. If you fail to comply with the requirement outlined, the United States plans to proceed with foreclosure. You may avoid foreclosure by (1) refinancing your RHS loan(s) with a private or commercial lender or otherwise paying your indebtedness in full; (2) selling the property for its fair market value and applying the proceeds to your loan(s); (3) transferring the loan(s) and property to an eligible or ineligible applicant with RHS approval; or (4) conveying the property to the Government with RHS approval. Please contact our Centralized Servicing Center office at 1-800-793-8861, if you desire to satisfy your loan(s) by one of the above methods. You cannot be discriminated against in a credit transaction because of your race, color, religion, national origin, sex, marital status, handicap, or age (if you have the legal capacity to enter into a contract). You cannot be denied a loan because all or a part of your income is from a public assistance program. If you believe you have been discriminated against for any of these reasons, you should write to the Secretary of Agriculture, Washington, D.C. 20250. You cannot be discriminated against in a credit transaction because you in good faith exercised your rights under the Consumer Credit Protection Act. The Federal Agency responsible for seeing this law is obeyed is the Federal Trade Commission, Washington, D.C. 20580. For questions regarding your account, please call Default Management toll free at 1-800-793-8861 or 1-800-438-1832 (TDD/TTY Hearing Impaired Only), 7:00 a.m. to 5:00 p.m., Monday through Friday, Central Time. Please refer to your Account number when you write or call us. Thank you. UNITED STATES OF AMERICA BY Thomas B Herron Director, Default Management Branch Rural Development United States Department of Agriculture Date: 06/06/19 Attachment CC: State Office This letter was mailed certified and regular mail on 06/06/19. APPEALS RIGHTS ATTACHMENT If you believe the decision described in the attached letter or the facts used in this case are in error, you may pursue any or all of the following three options. OPTION 1 - Reconsideration If you have questions concerning this decision or the facts used in making it and desire further explanation, you may write this office to request reconsideration. There is no cost for reconsideration. This written request must be received no later than 15 calendar days from the date of the attached letter. You must present any new information, evidence and/or possible alternatives along with your request. You may skip this informal process and select one of the following two options. If you do, you will automatically waive your right to reconsideration. OPTION 2 - Mediation You have the right to request mediation or other forms of alternative dispute resolution (ADR) of the issues in this decision. You may have to pay for the cost of mediation. If you request mediation or ADR, and resources are available, Rural Development will participate in the mediation or ADR process. To request mediation or ADR, you must write the Rural Development State Director (see reverse side). The written notice must be postmarked by you no later than 30 calendar days from the date of this letter. Mediation and ADR do not take the place of, or limit your rights to, an appeal to the National Appeals Division (NAD); however, a NAD appeal hearing would take place after mediation. You may skip mediation and request an appeal hearing. However, in doing so, you will automatically waive your rights to mediation and reconsideration. OPTION 3 - Request an Appeal You may request an appeal hearing by the National Appeals Division (NAD) rather than reconsideration or mediation. There is no cost for an appeal. A request for an appeal must be postmarked within 30 days from the date on which you received this letter. You must write the Assistant Director of the NAD (see reverse side). The appeal hearing will generally be held within 45 days of the receipt of your request. You or your representative or counsel may contact this office anytime during regular office hours in the 10 days following the receipt of your request for a hearing to obtain copies of relevant, non-confidential material on your account. Your representative or counsel should have your written authorization to represent you and review your account records. You may request a teleconference hearing or a personal meeting with a Hearing Officer. You may have a representative or counsel with you at these hearings and may present your own witnesses. At any time before the scheduled hearing you may also request that the Hearing Officer make a decision without a hearing. If you do, the Hearing Officer's decision will be based on the Rural Development file, any written statements or evidence you may provide and any additional information the Hearing Officer deems necessary. USDA is an equal opportunity provider and employer. If you wish to file a Civil Rights program complaint of discrimination, complete the USDA Program Discrimination Complaint Form, found online at http://www.ascr.usda.gov/complaint_filing_cust.html, or at any USDA office, or call (866) 632-9992 to request the form. You may also write a letter containing all of the information requested in the form. Send your completed complaint form or letter to us by mail at U.S. Department of Agriculture, Director, Office of Adjudication, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410, by fax (202) 690-7442 or email at [email protected]. To request reconsideration, send a written request to: UNITED STATES DEPARTMENT OF AGRICULTURE CENTRALIZED SERVICING CENTER DEFAULT MANAGEMENT BRANCH, FC 214 4300 GOODFELLOW BLVD, BLDG 105 ST. LOUIS, MO 63120 To request mediation, send a written request to the state office address below, with a copy to the address above. OKLAHOMA STATE OFFICE USDA - Rural Development 100 USDA, Suite 108 Stillwater, OK 74074-2654 To request an appeal, send a written request with a copy of the decision letter to the address below: U.S. DEPARTMENT OF AGRICULTURE National Appeals Division Western Regional Office 755 Parfet Street, Suite 494 Lakewood, Colorado 80215-5599 1-800-541-0483 Shirley A. Stiles December 4, 2021 Shirley Stiles will be laid to rest in a graveside service in the Debolt Cemetery at Arnett, Oklahoma, on Saturday, Dec. 11, 2021, at 1:00 pm. Arrangements are under the direction of Marshall Funeral Home of Alva. The casket will remain closed. There is a book available for friends and family to sign at the funeral home Wednesday until 5:00 pm and Thursday, and Friday, from 9:00 am until 6:00 pm. Shirley Annabelle Stiles was born [REDACTED], to Jay Lee and Mary Marquez (Lyden) Young in Santa Fe, New Mexico. She passed peacefully Saturday, Dec. 4, 2021, at the age of [REDACTED]. She was married to Charles Stiles in Anchorage, Alaska in 1961, and together they raised one son and four daughters. She worked as a hairdresser and owned and operated the Snack Shack restaurant in Arnett, Oklahoma. She and her husband loved raising and training thoroughbred racehorses. Shirley’s kids and grandkids were her greatest joy. They retired to Alva, Oklahoma, in 1982 to be close to their daughters. Shirley lived a rich and full life and loved the Lord. Her greatest blessings were spending time with her children, grandchildren, and great grandchildren. She was preceeded in death by her husband "Chuck" Stiles; sisters, Lena Young and Ruthie Carmichael; daughter, Charlotte Campbell, and son-in-law, Rick Starks. She is survived by her son, Norm Stiles; daughters, Melodie Starks, Cheryl Snowden, and Marilee Quick; two sons-in-law; seven grandchildren; fourteen great grand angels and many friends and family.